CN115082075A - Payment abnormal risk monitoring system and method - Google Patents

Payment abnormal risk monitoring system and method Download PDF

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Publication number
CN115082075A
CN115082075A CN202210714253.XA CN202210714253A CN115082075A CN 115082075 A CN115082075 A CN 115082075A CN 202210714253 A CN202210714253 A CN 202210714253A CN 115082075 A CN115082075 A CN 115082075A
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module
bank
information
reconciliation
data
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Inventor
陈妍
卢占宽
熊钰晗
黄毓
陈卓明
潘柳
李阳
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Shenzhen Power Supply Bureau Co Ltd
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Shenzhen Power Supply Bureau Co Ltd
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Priority to CN202210714253.XA priority Critical patent/CN115082075A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • G06Q40/125Finance or payroll
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/06Energy or water supply
    • YGENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02DCLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00Energy efficient computing, e.g. low power processors, power management or thermal management

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
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Abstract

The invention discloses a payment abnormal risk monitoring system, which is used for carrying out risk monitoring on account checking results between an electric enterprise and a bank, and comprises the following components: the reading module is used for reading the non-blended running water data in the automatic reconciliation result from the reconciliation system; the drawing module is used for acquiring the unacknowledged accounts according to the read data information and respectively making corresponding visual charts; the calculating module is used for calculating the difference of the current date displayed by the time module minus the running date which is not exchanged by the bank account checking; the alarm processing module is used for generating alarm information when the difference exceeds a preset difference threshold; and the information transmission module is used for sending the visual statistical information and the alarm information to a preset receiving party. The invention also discloses a corresponding method. By implementing the method and the system, risk monitoring can be performed on reconciliation results between the electric enterprises and the banks, visualization and early warning can be realized, and the safety of capital supervision is improved.

Description

Payment abnormal risk monitoring system and method
Technical Field
The invention belongs to the field of electric power systems, and particularly relates to a payment abnormal risk monitoring system and method.
Background
For the existing power supply enterprises, the development trend is to perform informatization transformation. But still have some shortfalls in the aspect of current power supply enterprise and bank reconciliation: the bank-enterprise account checking management rule is simple to set, complex scene account checking automation cannot be achieved, account checking results of all bank accounts and tracking and cleaning of outstanding funds are required to be manually gathered, but in the existing outstanding account management process, due to manual checking, the defects of invisibility, uncontrollable property and the like exist, and therefore fund risk hidden dangers can be caused.
Therefore, a method for automatically checking accounts through a system, realizing the whole-course monitoring of funds, strengthening the management of unachieved accounts, mastering the reasons of the unachieved accounts and discovering the abnormal change of the funds is urgently needed.
Disclosure of Invention
The invention aims to solve the technical problem of providing a payment abnormity risk monitoring system and method, which can carry out risk monitoring on account checking results between an electric enterprise and a bank, can realize visualization and early warning, and improve the safety of capital supervision.
In order to solve the above technical problem, an aspect of the present invention provides a payment anomaly risk monitoring system for performing risk monitoring on an account checking result between an electric enterprise and a bank, including:
the reading module is used for reading the non-blended running water data in the automatic reconciliation result from the reconciliation system;
the drawing module is used for acquiring the unacknowledged accounts according to the read data information and respectively making corresponding visual charts;
the calculating module is used for calculating the difference of the current date displayed by the time module minus the running date which is not exchanged by the bank account checking;
the alarm processing module is used for generating alarm information when the difference exceeds a preset difference threshold;
and the information transmission module is used for sending the visual statistical information and the alarm information to a preset receiving party.
Preferably, further comprising:
the registration module is used for registering user information;
and the login module is used for performing login processing through the registered user information.
Preferably, further comprising:
the monitoring parameter setting module is used for setting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
Preferably, the information transmission module is further configured to select or create a message template by using a mailbox, a message center or a short message mode, and send the visual statistical information and the alarm information to a preset receiver.
Preferably, the charting module is specifically configured to capture data of collected enterprise data, collected bank data, and detail penetration data of the balance adjustment table after bank-enterprise reconciliation is completed, call a preset charting template to generate a corresponding visual chart, and perform visual statistical presentation.
Correspondingly, in another aspect of the present invention, a method for monitoring risk of payment exception is further provided, which is used for risk monitoring of reconciliation results between an electric enterprise and a bank, and includes the following steps:
step S10, reading the un-exchanged running water data in the automatic reconciliation result from the reconciliation system;
step S11, according to the read data information, the unacknowledged account is obtained, and corresponding visual charts are respectively made;
step S12, calculating the difference between the current date displayed by the time module and the current date not exchanged by the bank account checking through the calculating module;
step S13, when the difference exceeds a preset difference threshold, alarm information is generated;
and step S14, sending the visual statistical information and the alarm information to a preset receiver.
Preferably, the method further comprises the following steps: registering user information, and performing login processing through the registered user information.
Preferably, the method further comprises the following steps:
presetting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
Preferably, the step S14 further includes the steps of:
and selecting or creating a message template by adopting a mailbox, a message center or a short message mode, and sending the visual statistical information and the alarm information to a preset receiver.
Preferably, the step S11 further includes the steps of:
and capturing the collected data of the balance adjustment table of the bank, the collected data of the bank and the unpaid data of the bank after the bank-enterprise reconciliation is finished, calling a preset drawing template to generate a corresponding visual chart, and performing visual statistical presentation.
The implementation of the invention has the following beneficial effects:
the invention provides a payment abnormity risk monitoring system and method, which can carry out risk monitoring on account checking results between an electric enterprise and a bank. The system automatically counts the unachieved account of the account result and realizes visual presentation, so that the corresponding statistical result is easier to understand and adopt;
meanwhile, the system is provided with an automatic warning function by effectively tracking the account missing, the payment collecting and the shortage situation in real time and mastering the reason of the account missing, discovering the fund transaction situation and tracking and processing the account missing beyond a certain period, and reminding personnel to track and process the account missing in time and show the processing process and result, so that the safety of the fund is guaranteed, the fund control system is improved, and the fund risk is effectively avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is within the scope of the present invention for those skilled in the art to obtain other drawings based on the drawings without inventive exercise.
Fig. 1 is a schematic structural diagram of an embodiment of a payment abnormal risk monitoring system provided in the present invention;
FIG. 2 is a schematic diagram illustrating pending outstanding account information summary according to the present invention;
FIG. 3 is a schematic view of an unaccounted item trend according to the present invention;
FIG. 4 is a schematic diagram of a Bank-enterprise unacknowledged account statement in accordance with the present invention;
fig. 5 is a main flow diagram of a payment anomaly risk monitoring method according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a schematic structural diagram illustrating an embodiment of a payment anomaly risk monitoring system provided by the present invention. As shown in fig. 2 to 4, in this embodiment, the payment anomaly risk monitoring system 1 is configured to perform risk monitoring on account checking results between an electric enterprise and a bank, and includes:
the reading module 10 is used for reading the non-blended running water data in the automatic reconciliation result from the reconciliation system; the automatic reconciliation result can be a result obtained by reconciliation between the electric enterprise and the bank through an interface such as a direct connection interface of the bank enterprise, and can be a reconciliation table (such as a balance adjustment table); the reading module can obtain the running water data which is not blended in the reconciliation table for analysis; how to realize the reconciliation between the electric enterprise and the bank is not the key content of the invention and is not described herein;
the drawing module 11 is used for obtaining the unacknowledged accounts according to the read data information and respectively making corresponding visual charts; preferably, the charting module 11 is specifically configured to capture data of collected enterprise data, collected bank data, and detail penetration data of the balance adjustment table after bank-enterprise reconciliation is completed, call a preset charting template to generate a corresponding visual chart, and perform visual statistical presentation. As shown in fig. 2 to 4, a summary diagram of pending outstanding account information, a trend diagram of outstanding accounts and a statement diagram of bank-enterprise outstanding accounts related to the present invention are respectively shown; corresponding data can be displayed intuitively;
the calculating module 12 is used for calculating the difference of the current date displayed by the time module minus the running date not exchanged by the bank account checking;
the alarm processing module 13 is configured to generate alarm information when the difference exceeds a preset difference threshold;
the information transmission module 14 is configured to send the visual statistical information and the alarm information to a preset receiving party; more specifically, the information transmission module 14 is further configured to select or create a message template by using a mailbox, a message center or a short message manner, and send the visual statistical information and the alarm information to a preset receiving party; the receiving party can be a computer terminal, a smart phone or a tablet computer and the like;
a registration module 15 for registering user information;
a login module 16, configured to perform login processing through registered user information; and
the monitoring parameter setting module 17 is used for setting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
Fig. 5 is a schematic structural diagram illustrating an embodiment of a method for monitoring a risk of a payment anomaly according to the present invention. In this embodiment, the method is used for risk monitoring of reconciliation results between an electric enterprise and a bank, and includes the following steps:
step S10, reading the un-exchanged running water data in the automatic reconciliation result from the reconciliation system;
step S11, according to the read data information, the unacknowledged account is obtained, and corresponding visual charts are respectively made; specifically, in an example, the step S11 further includes: and capturing the collected data of the balance adjustment table of the bank, the collected data of the bank and the unpaid data of the bank after the bank-enterprise reconciliation is finished, calling a preset drawing template to generate a corresponding visual chart, and performing visual statistical presentation.
Step S12, calculating the difference between the current date displayed by the time module and the current date not exchanged by the bank account checking through the calculating module;
step S13, when the difference exceeds a preset difference threshold, alarm information is generated;
and step S14, sending the visual statistical information and the alarm information to a preset receiver. In a specific example, the step S14 further includes the following steps: and selecting or creating a message template by adopting a mailbox, a message center or a short message mode, and sending the visual statistical information and the alarm information to a preset receiver.
Preferably, the method further comprises the following steps: registering user information, and performing login processing through the registered user information.
In a specific example, the method further comprises the following steps:
presetting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
For more details, reference may be made to and combined with the foregoing description of fig. 1 to 4, which is not repeated herein.
The implementation of the invention has the following beneficial effects:
the invention provides a payment abnormity risk monitoring system and method, which can carry out risk monitoring on reconciliation results between an electric enterprise and a bank. The system automatically counts the unachieved account of the account result and realizes visual presentation, so that the corresponding statistical result is easier to understand and adopt;
meanwhile, the method for mastering the reasons of the unachieved accounts through effectively tracking the unachieved accounts, the collected and paid accounts and the excess and shortage conditions in real time, finds out the fund transaction condition and tracks and processes the fund transaction condition, and sets an automatic warning function for reminding personnel to track and process the unachieved accounts in time and display the processing process and results, so that the fund safety is guaranteed, the fund control system is improved, and the fund risk is effectively avoided.
While the invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not to be limited to the disclosed embodiment, but on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims (10)

1. The utility model provides a payment unusual risk monitored control system for carry out risk monitoring to the result of reconciliation between electric enterprise and the bank, its characterized in that includes:
the reading module is used for reading the non-blended running water data in the automatic reconciliation result from the reconciliation system;
the drawing module is used for acquiring the unacknowledged accounts according to the read data information and respectively making corresponding visual charts;
the calculating module is used for calculating the difference of the current date displayed by the time module minus the running date which is not exchanged by the bank account checking;
the alarm processing module is used for generating alarm information when the difference exceeds a preset difference threshold;
and the information transmission module is used for sending the visual statistical information and the alarm information to a preset receiving party.
2. The system of claim 1, further comprising:
the registration module is used for registering user information;
and the login module is used for performing login processing through the registered user information.
3. The system of claim 2, further comprising:
the monitoring parameter setting module is used for setting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
4. The system of claim 3, wherein the message transmission module is further configured to select or create a message template by using a mailbox, a message center or a short message, and send the visual statistical information and the alarm information to a preset receiver.
5. The system according to claim 4, wherein the charting module is specifically configured to capture data of collected enterprise data, collected bank data, and detail penetration data of the balance adjustment table after bank-enterprise reconciliation is completed, call a preset charting template to generate a corresponding visual chart, and perform visual statistical presentation.
6. A payment abnormity risk monitoring method is used for carrying out risk monitoring on account checking results between an electric enterprise and a bank, and is characterized by comprising the following steps:
step S10, reading the un-exchanged running water data in the automatic reconciliation result from the reconciliation system;
step S11, according to the read data information, the unacknowledged account is obtained, and corresponding visual charts are respectively made;
step S12, calculating the difference between the current date displayed by the time module and the current date not exchanged by the bank account checking through the calculating module;
step S13, when the difference exceeds a preset difference threshold, alarm information is generated;
and step S14, sending the visual statistical information and the alarm information to a preset receiver.
7. The method of claim 6, further comprising the steps of:
registering user information, and performing login processing through the registered user information.
8. The method of claim 7, further comprising:
presetting effective date, early warning triggering mode, execution period and execution frequency of abnormal risk monitoring; wherein, the effective date includes: a start date and an end date; the early warning triggering mode comprises the following steps: manual as well as automatic; the execution cycle includes: days, weeks, months, seasons, and years; the execution frequency includes one-time and periodic.
9. The method of claim 8, wherein the step S14 further comprises the steps of:
and selecting or creating a message template by adopting a mailbox, a message center or a short message mode, and sending the visual statistical information and the alarm information to a preset receiver.
10. The method of claim 9, wherein the step S11 further comprises the steps of:
and capturing the collected data of the balance adjustment table of the bank, the collected data of the bank and the unpaid data of the bank after the bank-enterprise reconciliation is finished, calling a preset drawing template to generate a corresponding visual chart, and performing visual statistical presentation.
CN202210714253.XA 2022-06-23 2022-06-23 Payment abnormal risk monitoring system and method Pending CN115082075A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116468540A (en) * 2023-04-13 2023-07-21 苏银凯基消费金融有限公司 Consumption finance guest group risk identification system and method based on big data

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116468540A (en) * 2023-04-13 2023-07-21 苏银凯基消费金融有限公司 Consumption finance guest group risk identification system and method based on big data

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